Refund & Cancellation Policy

At CM Tax & Insurance Solutions Group, we are committed to providing professional, personalized services to our clients. Because many of our services involve professional time, preparation, research, consultation, document review, and other work performed specifically for an individual or business, refund eligibility varies depending on the service purchased and the work already completed.

The following policy applies unless different terms are provided in a signed engagement letter, service agreement, invoice, insurance document, or other written agreement.

Tax Preparation & Advisory Services

Fees paid for tax preparation, tax planning, advisory services, consultations, document review, or related professional work are generally non-refundable once work has begun.

If a client cancels an engagement before substantive work has started, any refund eligibility will be reviewed based on the circumstances of the engagement and any costs or professional time already incurred.

Payment of tax preparation fees does not guarantee a particular refund, credit, deduction, tax liability, or other tax outcome.

Bookkeeping Services

Bookkeeping fees are generally non-refundable for services that have already been performed or for a service period that has already begun.

If services are prepaid and canceled before work begins for a future service period, any refund or credit will be determined according to the applicable service agreement and the circumstances of the cancellation.

Recurring bookkeeping arrangements may also be subject to separate cancellation or termination provisions contained in the client's service agreement.

Business Planning & Development Services

Fees for business planning, development, consulting, strategy sessions, assessments, customized plans, or related professional services are generally non-refundable once the service has begun or customized work has been performed.

Because business planning services may involve research, preparation, customized recommendations, and reserved professional time, completed work is not refundable based solely on a client's decision not to implement the recommendations or on the results ultimately achieved.

Insurance Services

Insurance premiums, policy fees, carrier charges, and other amounts associated with an insurance policy may be subject to the terms, cancellation provisions, and refund rules of the applicable insurance carrier or third-party provider.

CM Tax & Insurance Solutions Group does not determine or guarantee refunds of premiums or fees collected by an insurance carrier or other third party.

Clients should review their applicable insurance policy and carrier documentation for specific cancellation and premium-refund provisions.

Consultations & Appointments

We understand that schedules change. If you need to cancel or reschedule an appointment, we ask that you provide as much advance notice as reasonably possible.

For paid consultations or appointments, fees may be non-refundable when:

• The consultation has already occurred;

• Professional preparation or document review has already been performed;

• The client fails to attend the scheduled appointment without adequate notice; or

• The appointment involves professional time that was specifically reserved for the client.

When appropriate, we may allow an eligible appointment to be rescheduled rather than refunded.

Deposits, Retainers & Advance Payments

Certain services may require a deposit, retainer, or advance payment before work begins.

The refundability of these payments will depend upon the applicable service agreement, the amount of work already performed, expenses incurred, and any specific terms communicated when the engagement begins.

Any portion designated as non-refundable in a signed agreement will be handled according to that agreement, subject to applicable law.

Third-Party Fees

Payments made directly to third parties—including insurance carriers, government agencies, software providers, payment processors, filing services, or other outside providers—may be subject to the refund and cancellation policies of those organizations.

CM Tax & Insurance Solutions Group cannot guarantee refunds of amounts controlled or retained by a third party.

Requesting a Refund or Cancellation

If you believe you are eligible for a refund, credit, cancellation, or other adjustment, please contact us promptly.

Please include your name, contact information, service purchased, date of payment, and reason for the request so that we can review the matter.

Submitting a request does not automatically guarantee a refund. Each eligible request will be reviewed based on the service provided, work completed, applicable agreements, and circumstances involved.

Service Agreements Control

Certain services provided by CM Tax & Insurance Solutions Group are governed by separate engagement letters, service agreements, insurance documents, or other contractual terms.

If the refund or cancellation provisions of a signed agreement differ from this general website policy, the terms of the applicable agreement will govern to the extent permitted by law.

Contact Us

Questions regarding this Refund & Cancellation Policy may be directed to:

CM Tax & Insurance Solutions Group
Email: admin@cmtaxandinsurance.com
Toll-Free / SMS: (888) 479-2505
Local: (919) 801-9600
Website: www.cmtaxandinsurance.com
Business Hours: By Appointment Only